Get 0% APR with 24 Easy Payments.

Shop for your favorite items on eBay.com and check out with PayPal Credit to get more time to pay.

Easy Payment Terms

Select Easy Payments at checkout to take advantage of special financing offers.

If the purchase balance isn’t paid in full within the 24 month promotional period, interest will be charged at an Annual Percentage Rate (APR) of 19.99% on any remaining balance. Read the complete Terms and Conditions.

LIMITED TIME ONLY – Available February 20 - February 28, 2018

24 Payments

0% APR

24 month term

Minimum Purchase Amount: $600.00

PayPal Credit is subject to credit approval as determined by the Lender, Comenity Capital Bank, Salt Lake City, Utah, and is available to US customers who are of legal age in their state of residence. PayPal Credit is serviced by Bill Me Later, Inc.

If approved for PayPal Credit, Comenity Capital Bank will make a loan to you for the amount financed to pay for your purchase and pay the merchant on your behalf.

You must be logged into your eBay account to make an Easy Payments purchase, and you cannot use a gift card, coupon, eBay Bucks or other voucher with an Easy Payments purchase.

The total cost of your purchase will be divided into substantially equal monthly payments. This promotional offer isn’t valid on previous returns, refunds, and exchanges, or when using the Send Money feature in your PayPal account.

If the Easy Payments balance is not paid in full within the 24 month promotional period, interest will be charged at an Annual Percentage Rate (APR) of 19.99% on any remaining balance. The Minimum Interest Charge is $2.00. If the merchant ships your items separately, the total price of each shipment will be divided into substantially equal payments.

PayPal Credit is not available in the following categories on eBay: Everything Else - Adult Only, eBay Motors (PayPal Credit is available for eBay Motors - Parts and Accessories), Bullion and Real Estate. In addition, PayPal Credit is not available for purchases from non-US sellers. Eligibility of items for PayPal Credit is determined at checkout and not on item pages.

**This special PayPal Credit promotional offer is available for a limited time only (between February 20, 2018 and February 28, 2018, ending at 11:59pm PST on that date) on purchases of $600 or more.

About PayPal Credit

PayPal Credit is a reuseable credit line available on purchases at thousands of online stores that accept PayPal, including eBay.com.

Get more with PayPal Credit.

More payment flexibility.

Pay now or over time. You decide what's best for you.

Manage your accounts in one place.

By simply logging into PayPal.com, you can keep track of all your PayPal and PayPal Credit transactions at any time. Plus, we will email you when your monthly statement is ready so you can stay on top of your payments. If you don't have a PayPal account, it's easy to sign up at PayPal.com.

Easy, fast checkout.

There's no credit card needed, and no account numbers to enter. Get in, get out and get on with your life.

Your Protection. Our Priority.

Additional information: If approved, we start you off with a minimum credit line of at least $250. See FAQs below for more info.
THE ANNUAL PERCENTAGE RATE (APR) IS 19.99% AND THE MINIMUM INTEREST CHARGE IS $2.00.
See terms. If you miss a payment your late fee could be up to $38, even less if it's your first time. See FAQs below for more info.

PayPal Credit is subject to credit approval as determined by the lender, Comenity Capital Bank, and is available to US customers who are of legal age in their state of residence. You must pay with PayPal Credit to get the offers. Minimum cart purchase required is before shipping and tax. Offers not valid on previous purchases, returns or exchanges. Promotional offers may not be available for purchases made on a mobile device. Easy Payment offers may not be available for some categories.

Frequently Asked Questions

What is PayPal Credit?

PayPal Credit is a line of credit from Comenity Capital Bank that gives you the flexibility to pay for your purchase now, or pay over time. It's easy to apply and easy to use.

How do I start using PayPal Credit?

Select PayPal Credit as your payment choice during checkout. You'll be asked to provide your date of birth and your Social Security number, and then to agree to the terms and conditions to apply for a PayPal Credit account. You'll know within seconds if you are approved. And here's the cool thing: link your PayPal Credit account to your PayPal account and you'll see it as a payment option when you check out with PayPal.

How do I select PayPal Credit as my payment source?

There are two ways to choose PayPal Credit. Some merchants have a PayPal Credit option at checkout. If they do, you can simply choose that option. If you don't see a PayPal Credit option, check out with PayPal, and then you'll have the option to select PayPal Credit as your payment method. Either way a window will appear on your screen where you'll provide your date of birth and your Social Security number, and then agree to the terms and conditions. Approval takes just seconds and you can complete your purchase.

Can I use PayPal Credit when shopping on eBay?

Yes. Look for the PayPal Credit option on the Choose Payment Method page, or when you checkout with PayPal. PayPal Credit can be used for most purchases on eBay, except in the following categories: adult, digital goods, weapons, alcohol, and vehicles (PayPal Credit is available for auto parts and accessories).

How does the "No Payments + No Interest if paid in full in 6 Months" offer work?

You have the option to make no payments for 6 months on qualifying purchases. You will receive monthly statements and can make payments at any time. As long as you pay in full by the promotion expiration date, you will not be billed interest for that purchase. If you do not pay in full, interest will be calculated from the posting date (which is usually within a few days after the purchase date) and will be billed to your account.

How do I pay my PayPal Credit bill?

You'll receive monthly statements and can choose to pay in full or over time (interest charges may apply). For your convenience, once you link your PayPal Credit and PayPal accounts, you can keep track of your purchases and make payments on PayPal.com. Pay your balance due from either your PayPal balance or your bank account.

Is there an annual fee to use PayPal Credit?

Do I have a Credit Line and how much is it?

Yes you do. Here's how it works: after you've been approved, Comenity Capital Bank will open a PayPal Credit account with a credit line of at least $250.

How do I increase my credit line with PayPal Credit?

You can continue to use PayPal Credit for purchases and, if those purchases cause your outstanding balance to exceed your credit line, we'll evaluate you for a credit line increase. Your eligibility for a credit increase is determined by your credit history and customer history with PayPal Credit, and the Terms and Conditions. This will happen automatically during checkout, so you don't even need to ask.

What is the Annual Percentage Rate (APR)?

The Annual Percentage Rate for standard purchases and cash advances on a PayPal Credit line is 19.99%, although some special offers have a lower, promotional APR. The Minimum Interest Charge is $2.00. Of course, you can choose to pay your entire balance by the payment due date to avoid interest charges

What does 'Subject to Credit Approval' mean?.

PayPal Credit is a credit account that you can use to make purchases and send money. Comenity Capital Bank will review and consider your credit report and other credit related information prior to opening your account and establishing your credit line. Creditworthiness is determined by Comenity Capital Bank. This process happens in a matter of seconds as part of the PayPal Credit checkout process. Once you are a PayPal Credit customer, you can use your credit line to make purchases. If you make a purchase that would cause your outstanding balance to go above your credit line, we will review your credit history and history with PayPal Credit to instantly determine whether to increase your credit line.

Do you check my credit report every time I make a purchase?

No. A credit report is reviewed when you apply for PayPal Credit and occasionally when you attempt to increase your credit line. Periodically, we'll obtain updates of your report, but these updates have no impact on your credit score. If for any reason your credit line is decreased, you'll be notified of the reason in writing.

Is there a fee for late payments?

Yes, you will be charged a late fee for each month that the minimum payment is not paid by the payment due date. The first time you're late, the amount of the late fee will be the same amount as the missed payment, up to $27. If you're late again, the late fee will be up to $38.

Does PayPal Credit protect me from liability for unauthorized charges?

Yes! PayPal Credit provides "zero fraud liability" protection, the same protection provided by most major credit cards. This means you are not responsible for unauthorized charges. And we verify your identity with top-of-mind information such as your date of birth and your Social Security number, so there's no account number that can be lost or stolen.

Where else can I use PayPal Credit?

PayPal Credit is available on purchases at thousands of stores that accept PayPal. It's also available for purchases on eBay and exclusively at thousands of other online stores.